Weitere Kapitel dieses Buchs durch Wischen aufrufen
“A financial literacy indicator—measuring consumer financial knowledge, skills, and attitudes to money” presents the financial literacy measurement project. This project is one of the core edu-regulatory programmes in the UK. The chapter describes and explains the ways in which consumer financial knowledge, financial information and financial skills came to be measured, compared, assessed and ranked by the financial capability measure. It shows how the construction of the financial capability measure has created a new phenomenon—levels of consumer financial capability. It further demonstrates that this measurement exercise has divided people’s day-to-day financial decisions and financial practices into two groups: financially literate and financially illiterate. The chapter suggests that this categorisation grossly simplifies people’s experiences with finance and financial markets. Consumer financial literacy levels are mainly and exclusively defined through consumer ability to actively and safely participate in the financial services market. The argument is put forward that this conceptualisation strips the socio-economic, political and cultural contexts away from the financial literacy standard and fails to acknowledge its relational dimension.
Bitte loggen Sie sich ein, um Zugang zu diesem Inhalt zu erhalten
Sie möchten Zugang zu diesem Inhalt erhalten? Dann informieren Sie sich jetzt über unsere Produkte:
Adams, A., Freedland, M.F., and Prassl, J. 2015. The ‘Zero-Hours Contract’: Regulating Casual Work, or Legitimating Precarity? Oxford Legal Studies. [Online] Available at: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2507693. Accessed 12 Apr 2015.
Andreas, P., and K.M. Greenhill. 2010. Sex, Drugs and Body Counts: The Politics of Numbers in Global Crime and Conflict. New York: Cornell University Press.
Atkinson, A., McKay, S., Kempson, E., and Collard, S. 2006. Levels of Financial Capability in the UK: Results of a Baseline Survey. London: FSA. [Online] Available at: http://www.fsa.gov.uk/pubs/consumer-research/crpr47.pdf. Accessed 5 Sept 2014.
Belfiore, E. 2014. ‘Impact’, ‘Value’ and ‘Bad Economics’: Making Sense of the Problem of Value in the Arts and Humanities. Arts and Humanities in Higher Education: 1–16.
Bennett, F., J.D. Henau, and S. Sung. 2010. Within-Household Inequalities Across Classes? Management and Control of Money. In Gender Inequalities in the 21st Century: New Barriers and Continuing Constraints, ed. J. Scot, R. Crompton, and C. Lyonette, 215–240. Cheltenham: Edward Elgar.
Byrne, N., O. McCarthy, and M. Ward. 2007. Money-Lending and Financial Exclusion. Public Money & Management 27 (1): 45–52. CrossRef
Clark, G. 2014. Financial Literacy in Context: A Rejoinder. Economic Geography 90 (1): 29–31. CrossRef
Crompton, R., L. Hantrais, and P. Walters. 1990. Gender Relation and Employment. The British Journal of Sociology 41 (3): 329–349. CrossRef
Datta, K. 2007. Money Matters: Exploring Financial Exclusion Among Low Paid Migrant Workers in London. London: Queen Marry, University of London. [Online] Available at: http://www.geog.qmul.ac.uk/docs/staff/4144.pdf. Accessed 2 Aug 2014.
Datta, K. 2009. Risky Migrants? Low-Paid Migrant Workers Coping With Financial Exclusion in London. European Urban and Regional Studies 16 (4): 331–344. CrossRef
Datta, K. 2011. New Migrant Communities and Financial Services. Keeping Themselves to Themselves? London: Queen Mary University of London.
Datta, K. 2012. Migrants and Their Money: Surviving Financial Exclusion in London. Bristol: The Policy Press. CrossRef
Davies, L. 2012. Lone Parents: Unemployed or Otherwise Engaged? People, Place & Policy 6 (1): 16–28. CrossRef
Davis, K.E., and B. Kingsbury. 2011. Indicators as Interventions: Pitfalls and Prospects in Supporting Development Initiatives. New York: Rockefeller Foundation.
Davis, K., A. Fisher, B. Kingsbury, and S.E. Merry. 2012. Governance by Indicators: Global Power Through Classification and Rankings. Oxford: Oxford University Press. CrossRef
Espeland, W.N., and M.L. Stevens. 2008. A Sociology of Quantification. European Journal of Sociology 49 (3): 401–436. CrossRef
Financial Services Authority. 2003. Towards a National Strategy for Financial Capability. London: FSA. [Online] Available at: http://www.fsa.gov.uk/pubs/other/financial_capability.pdf. Accessed 3 June 2014.
Financial Services Authority. 2006a. Financial Capability Baseline Survey: Questionnaire. London: FSA. [Online] Available at: http://www.bristol.ac.uk/media-library/sites/geography/migrated/documents/pfrc0604.pdf. Accessed 22 May 2014.
Financial Services Authority. 2006b. Financial Capability in the UK: Delivering Change. London: FSA. [Online] Available at: http://www.fsa.gov.uk/pubs/other/fincap_delivering.pdf. Accessed 19 June 2014.
Financial Services Authority. 2006c. Financial Capability in the UK: Establishing a Baseline. London: FSA. [Online] Available at: http://www.fsa.gov.uk/pubs/other/fincap_baseline.pdf. Accessed 19 June 2014.
Gallie, D., Inanc, H., and Williams, M. 2012. The Vulnerability of the Low-Skilled. London: LSE. [Online] Available at: http://eprints.lse.ac.uk/46692/1/__libfile_REPOSITORY_Content_Williams,%20M_The%20vulnerability%20of%20the%20low-skilled_The%20vulnerability%20of%20the%20low-skilled%20(LSE%20RO).pdf. Accessed 2 Feb 2015.
Gibson-Graham, J. 1996. The End of Capitalism (As We Knew It): A Feminist Critique of Political Economy. Oxford: Blackwell.
Ginn, J. 2003. Parenthood, Partnership Status and Pensions: Cohort Differences among Women. Sociology 37 (3): 493–510. CrossRef
Goede, M.D. 2012. Speculative Security. The Politics of Pursuing Terrorist Monies. London and Minneapolis: University of Minnesota Press.
Hacking, I. 1990. The Taming of Chance. Cambridge: Cambridge University Press. CrossRef
Himmelweit, S. 1995. The Discovery of “Unpaid Work”: The Social Consequences of the Expansion of “Work”. Feminist Economics 1 (2): 1–19. CrossRef
Holgate, J., A. Pollert, J. Keles, and L. Kumarappan. 2012. Union Decline and Voice among Minority Ethnic Workers: Do Community-based Social Networks Help to Fill the Gap? Urban Studies 49 (3): 613–630. CrossRef
Hutton, S. 1994. Men’s and Women’s Incomes: Evidence from Survey Data. Journal of Social Policy 23 (1): 21–40. CrossRef
Kan, M., and Laurie, H. 2010. Savings, Investments, Debts and Psychological Well-Being in Married and Cohabiting Couples. Institute for Social and Economic Research. [Online] Available at: https://www.iser.essex.ac.uk/files/iser_working_papers/2010-42.pdf. Accessed 18 July 2014.
Kempson, E., and Collard, S. 2012. Developing a Vision for Financial Inclusion. Bristol: Friends Provident Foundation. [Online] Available at: http://www.bristol.ac.uk/media-library/sites/geography/migrated/documents/pfrc1205.pdf. Accessed 3 May 2014.
Khattab, N., and R. Johnston. 2013. Ethnic and Religious Penalties in a Changing British Labour Makret from 2002 to 2010: The Case of Unemployment. Environment and Planning A 45: 1358–1371. CrossRef
Langley, P. 2008. The Everyday Life of Global Finance: Saving and Borrowing in Anglo-America. Oxford: Oxford University Press. CrossRef
Lonergan, G. 2015. Migrant Women and Social Reproduction Under Austerity. Feminist Review 109: 124–145. CrossRef
Merry, S.E. 2011. Measuring the World: Indicators, Human Rights, and Global Governance. Current Anthropology 52 (S3): S83–S95. CrossRef
Merry, S.E. 2012. The Problem of Human Rights Indicators. [Online] Available at: http://www.law.uvic.ca/demcon/2012%20readings/Chapter%203%20Problem%20of%20HR%20indicators.pdf. Accessed 22 May 2014.
Millar, J., and T. Ridge. 2009. Relationships of Care: Working Lone Mothers, their Children and Employment Sustainability. Journal of Social Policy 38 (1): 103–121. CrossRef
Mitton, L. 2008. Financial Inclusion in the UK: Review of Policy and Practice. Joseph Rowntree Foundation. [Online] Available at: http://www.jrf.org.uk/sites/files/jrf/2222-financial-exclusion-policy.pdf. Accessed 26 Dec 2014.
Montgomerie, J., and Young, B. 2010. Home is Where The Hardship is. Gender and Wealth (Dis) Accumulation in the Subprime Boom. CRES Working Paper Series. 79.
Oehler, A., and C. Werner. 2008. Saving for Retirement—A Case for Financial Education in Germany and UK? An Economic Perspective. Journal for Consumer Policy 31 (3): 253–283. CrossRef
Perry-Kessaris, A. 2011. Prepare Your Indicators: Economics Imperialism on the Shores of Law and Development. International Journal of Law in Context 7 (4): 401–421. CrossRef
Personal Finance Research Centre. 2005. Measuring Financial Capability: An Exploratory Study. Bristol: FSA. [Online] Available at: http://www.bristol.ac.uk/media-library/sites/geography/migrated/documents/pfrc0510.pdf. Accessed 3 Apr 2014.
Personal Finance Research Centre. 2008. Evidence of Impact: An Overview of Financial Education Evaluations. Bristol: FSA. [Online] Available at: http://www.fsa.gov.uk/pubs/consumer-research/crpr68.pdf. Accessed 4 Apr 2014.
Pollert, A. 2010. The Lived Experience of Isolation for Vulnerable Workers Facing Workplace Grievances in 21st-Century Britain. Economic and Industrial Democracy 31 (1): 62–92. CrossRef
Pollert, A., and A. Charlwood. 2009. The Vulnerable Worker in BRITAIN and Problems at Work. Work, Employment & Society 23 (2): 343–362. CrossRef
Poovey, M. 1998. A History of the Modern Fact: Problems of Knowledge in the Sciences of Wealth and Society. Chicago: University of Chicago Press. CrossRef
Porter, T.M. 2001. Economics and the History of Measurement. History of Political Economy 33(Winter Supplement): 4–22.
Price, D. 2006. Gender and Generational Continuity Breadwinners, Caregivers and Pension Provision in the UK. International Journal of Ageing and Later Life 1 (2): 31–66. CrossRef
Price, D. 2007. Closing the Gender Gap in Retirement Income: What Difference Will Recent UK Pension Reforms Make? Journal of Social Policy 36 (4): 561–583. CrossRef
Rake, K. 2009. Are Women Bearing the Burden of the Recession? The Fawcett Society. [Online] Available at: http://www.mbsportal.bl.uk/secure/subjareas/hrmemplyrelat/fawcettsociety/138407burden09.pdf. Accessed 14 Jan 2015.
Rosga, A., and M.L. Satterthwaite. 2009. The Trust in Indicators: Measuring Human Rights. Berkeley Journal of International Law 27 (2): 253–279.
Sharaway, H. 2000. Understanding the Islamic Prohibition of Interest: A Guide to Aid Economic Cooperation Between the Islamic and Western Worlds. Journal of International and Comparative Law 29 (1): 153–180.
Sharp, N. 2008. “What’s Yours is Mine” The Different Forms of Economic Abuse and its Impact on Women and Children Experiencing Domestic Violence. Refuge. [Online] Available at: http://www.refuge.org.uk/files/Whats-yours-is-mine-Full-Report.pdf. Accessed 19 Oct 2014.
Shildrick, T., R. MacDonald, C.S. Webster, and K. Garthwaite. 2012. Poverty and Insecurity: Life in Low-Pay, No-Pay Britain. Bristol: The Policy Press. CrossRef
Siegfried, N. 2001. Concepts of Paper Money in Islamic Legal Thought. Arab Law Quarterly 16 (4): 319–332. CrossRef
Sikka, P. 2011. Accounting for Human Rights: The Challenge of Globalization and Foreign Investment Agreements. Critical Perspectives on Accounting 22 (8): 811–827. CrossRef
Sissons, P., and Barnes, H. 2013. Getting Back to Work? Claim Trajectories and Destinations of Employment and Support Allowance Claimants. Journal of Poverty and Social Justice. 21 (3): 233–246.
Small, H. 2013. The Value of the Humanities. Oxford: Oxford University Press. CrossRef
Strauss, K. 2009. Gender, Risk, and Occupational Pensions. In Managing Financial Risks: From Global to Local, ed. G.L. Clark, A.D. Dixon, and A.H.B. Monk, 258–279. New York: Oxford University Press. CrossRef
Sung, S., and F. Bennett. 2007. Dealing with Money in Low- to Moderate-Income Couples: Insights from Individual Interviews. Social Policy Review 19: 151–173.
Sunley, P. 2000. Pension Exclusion in Grey Capitalism: Mapping the Pensions Gap in Britain. Transactions of the Institute of British Geographers 25 (4): 483–501. CrossRef
The Financial Services and Markets Act. 2000.
Vogler, C. 1998. Money in the Household: Some Underlying Issues of Power. The Sociological Review 46 (4): 687–713. CrossRef
Warren, T. 2008. Moving Beyond the Gender Wealth Gap: On Gender, Class, Ethnicity, and Wealth Inequalities in the United Kingdom. Feminist Economics 12 (1/2): 195–219.
Warren, T., K. Rowlingson, and C. Whyley. 2001. Female Finances: Gender Wage Gaps and Gender Assets Gaps. Work, Employment & Society 15 (3): 465–488. CrossRef
Warren, T., G. Pascall, and E. Fox. 2010. Gender Equality in Time: Low-Paid Mothers’ Paid and Unpaid Work in the UK. Feminist Economics 16 (3): 193–219. CrossRef
Westaway, J., and McKay, S. 2007. Women’s Financial Assets and Debts. Fawcett. [Online] Available at: http://wbg.org.uk/GBA_Present_2_923671226.pdf. Accessed 12 Aug 2014.
Willis, L. E. 2008a. Evidence and Ideology in Assessing the Effectiveness of Financial Literacy Education. Scholarship at Penn Law. [Online] Available at: http://scholarship.law.upenn.edu/cgi/viewcontent.cgi?article=1196&context=faculty_scholarship. Accessed 19 Jan 2015.
Willis, L. E. 2008b. Against Financial Literacy Education. IOWA Law Review 94 (1): 197–285.
- A Financial Literacy Indicator—Measuring Consumer Financial Knowledge, Skills and Attitudes to Money
- Chapter 4
microm, Neuer Inhalt/© Stellmach, Neuer Inhalt/© Maturus, Pluta Logo/© Pluta, Avaloq/© Avaloq Evolution AG, Avaloq/© Avaloq